JACOBS HANDEL
ActiveJACOBS HANDEL has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €2.31M and a net result of €290k. Equity is growing by ~34.4% per year across the filed fiscal years. Its solvency ranks better than 51% of 6144 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
93
/ 100
Excellent▲ +12 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability63▼-37
Solvency96▲+5
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €220k at 30 days acceptable
Liquidity ample (current ratio 4.26 against 2.66 in 2023), and 46.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
53.3%
Return on assets
6.7%
Age of the figures
20 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 16
Relative position
BE, all sectors
reference
Sector 16
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-08-2025, 14 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
14 d late
2023
13 d early
2022
60 d late
2021
18 d early
2020
61 d late
2019
133 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€2.31M▲ 14.4%
2023 · €2.02M
2018: €273k
2019: €355k
2020: €514k
2021: €1.14M
2022: €1.71M
2023: €2.02M
2018 → 2024
Total assets
€4.34M▼ 2.5%
2023 · €4.45M
2018: €1.54M
2019: €2.39M
2020: €3.16M
2021: €4.16M
2022: €4.80M
2023: €4.45M
2018 → 2024
Net result
€290k▼ 30.9%
2023 · €420k
2018: €106k
2019: €82k
2020: €159k
2021: €491k
2022: €571k
2023: €420k
2018 → 2024
Working capital
€1.40M▲ 19.7%
2023 · €1.17M
2018: €110k
2019: €130k
2020: €518k
2021: €781k
2022: €1.37M
2023: €1.17M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€514k-€1.14M▲ 122%€1.71M▲ 50.2%€2.02M▲ 18.3%€2.31M▲ 14.4%
Operating result€187k-€705k▲ 276%€812k▲ 15.2%€579k▼ 28.7%€345k▼ 40.4%
Net result€159k-€491k▲ 209%€571k▲ 16.3%€420k▼ 26.4%€290k▼ 30.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 40% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4.34M
Fixed assets
€2.51M▼ 2.6%
Current assets
€1.83M▼ 2.3%
Equity and liabilities €4.34M
Equity
€2.31M▲ 14.4%
Provisions
€0▼ 100%
Debt
€2.03M▼ 14.5%
The debt ratio falls from 53.3% to 46.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€512k▼
2023 · €730k
Cash flow
€457k▼
2023 · €571k
Solvency
53.3%▲
2023 · 45.4%
Current ratio
4.26▲
2023 · 2.66
Quick ratio
1.28▲
2023 · 0.94
Debt / equity
0.88▼
2023 · 1.17
ROE
12.6%▼
2023 · 20.8%
ROA
6.7%▼
2023 · 9.4%
Interest coverage
17.18▼
2023 · 17.74
Debt
€2.03M▼
2023 · €2.37M
Debt ≤ 1 year
€430k▼
2023 · €703k
Debt > 1 year
€1.60M▼
2023 · €1.67M
Income taxes
€50k▼
2023 · €140k
Staff costs
€88k▼
2023 · €131k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€4.45M€4.34M▼
Fixed assets21/28€2.58M€2.51M▼
Tangible fixed assets22/27€2.58M€2.51M▼
Land and buildings22€2.11M€1.99M▼
Plant, machinery and equipment23€391k€381k▼
Furniture and vehicles24€76k€136k▲
Financial fixed assets28€270€270=
Current assets29/58€1.87M€1.83M▼
Stocks and contracts in progress3€1.21M€1.28M▲
Stocks30/36€1.21M€1.28M▲
Amounts receivable within one year40/41€333k€404k▲
Trade receivables40€315k€366k▲
Other amounts receivable41€17k€38k▲
Current investments50/53-€60k
Cash at bank and in hand54/58€329k€85k▼
Equity and liabilities
Total equity and liabilities10/49€4.45M€4.34M▼
Equity10/15€2.02M€2.31M▲
Contributions10/11€19k€19k=
Reserves13€2.00M€2.29M▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€56k€56k=
Distributable reserves133€1.95M€2.24M▲
Provisions and deferred taxes16€56k-
Provisions for liabilities and charges160/5€56k-
Major repairs and maintenance162€56k-
Amounts payable17/49€2.37M€2.03M▼
Amounts payable after more than one year17€1.67M€1.60M▼
Financial debts170/4€1.67M€1.60M▼
Amounts payable within one year42/48€703k€430k▼
Current portion of amounts payable after more than one year42€197k€214k▲
Trade debts44€274k€115k▼
Suppliers440/4€274k€115k▼
Taxes, remuneration and social security45€185k€99k▼
Taxes450/3€173k€83k▼
Remuneration and social security454/9€12k€17k▲
Other amounts payable47/48€48k€2k▼
Income statement
Code20232024
Remuneration, social security and pensions62€131k€88k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€151k€167k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-60k€-75k▼
Other operating charges640/8€25k€30k▲
Non-recurring operating charges66A-€5k
Gross operating margin9900€826k€560k▼
Operating profit (loss)9901€579k€345k▼
Financial income75/76B€22k€25k▲
Recurring financial income75€22k€25k▲
Financial charges65/66B€41k€30k▼
Recurring financial charges65€41k€30k▼
Profit (loss) for the period before taxes9903€560k€340k▼
Income taxes67/77€140k€50k▼
Profit (loss) for the period9904€420k€290k▼
Profit (loss) for the period to be appropriated9905€420k€290k▼
Appropriation of the result
Profit (loss) to be appropriated9906€420k€290k▼
Transfer from equity791/2€50k-
Transfer to equity691/2€420k€290k▼
To other reserves6921€420k€290k▼
Profit to be distributed694/7€50k-
Directors or managers695€50k-
Social balance
Average headcount (FTE)90872.42.1▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 14 days late
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €2MEq €2.02M ▲18.3%
6 profitable years in a row build equity to €2.02M.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
31-12
Financial
Highest result since 2018net €571k ▲16.3%
Operating result €812k, net result €571k, both a record.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €1MEq €1.14M ▲122%
4 profitable years in a row build equity to €1.14M.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 61 days late
2020
31-12
Financial
Equity above €500kEq €514k ▲44.7%
3 profitable years in a row build equity to €514k.
11-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 133 days late
2019
31-12
Financial
Weakest financial yearnet €82k ▼22.3%
Net result drops to €82k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 61 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 17 days late
2015
01-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Arendonk · 2 establishment units since 2012
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Steendonk 72370 ArendonkGround area
1.2 ha
Building footprint
4,363 m²
Volume, LiDAR
1,829 m³
2 parcels, Flanders · tallest building 10.0 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
JACOBS HANDEL
since 20122.209.138.178
HOUTHANDEL JACOBS
since 20212.320.534.661
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13322C1814/00K000 | Flanders | 1.1 ha | 1 · 4,197 m² | 3.5 m |
| 13322E0021/00L000 | Flanders | 750 m² | 1 · 166 m² | 10.0 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 495 EUR awarded · 495 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 56 EUR | 56 EUR |
| 2024 | 1 | 119 EUR | 119 EUR |
| 2023 | 1 | 51 EUR | 51 EUR |
| 2022 | 1 | 269 EUR | 269 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 664 companies in sector 16110 we hold annual accounts for 319. 176 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-01-2012
Fiscal year end31-12
Activities, NACEBEL
16110Sawmilling and planing of wood
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
71209Other technical testing and analysis
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.